# Central Pacific Financial Corp New (CPF) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $38.47, market value $979 million.

## Valuation
- **P/E (trailing): 11.6×** (5-yr avg 9.5×, 3-yr avg 11.0×). Central Pacific Financial Corp New trades at 11.6× trailing earnings, well above its own five-year average of 9.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.23**. A PEG of 0.23 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 18.6×**. Each dollar of revenue is priced at 18.6×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.8%** (5-yr avg 14.8%). Free cash flow equals 10.8% of the market value, below its five-year average of 14.8%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.6%**. The inverse of the P/E: 8.6% of the price is earned each year.

## Profitability
- **Net margin: 149.5%**. 149.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 13.1%**. 13.1% on shareholders' equity is solid.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 33.8%** (3-yr 2.6%/yr, 5-yr 16.8%/yr). Revenue grew 33.8% over the last year, against 16.8% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 45.2%** (3-yr 2.2%/yr, 5-yr 16.7%/yr). Earnings per share rose 45.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -1.2%/yr**. Free cash flow has compounded at -1.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 3.22%** ($1.16 per share, trailing). Central Pacific Financial Corp New yields 3.22%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 38%** (29% of free cash flow). 38% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 9**. 9 straight years of increases.
- **Dividend growth (5 yr): 3.4%/yr** (1-yr 4.8%). The dividend has grown 3.4% a year over five years.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Central Pacific Financial Corp New; the consensus is buy, with an average price target of $42.75 (+11% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 40.3%** (YTD 27.2%, 3-mo -1.8%). The shares are up 40.3% over twelve months including dividends.
- **From 52-week high: -6.1%** (35.3% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 67**. An RSI of 67 is neutral.
- **Beta (1 yr): 0.42** (volatility 22%). Beta of 0.42 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CPF · Page: https://foliofundamentals.com/stocks/cpf

Not investment advice.